A. Insight
Under section 246 Watboek Zan Trade (book of the Commerce Act), that insurance is a dimaksuddengan persetuan where the borrower promises to people who are guaranteed for the amount of premiums received peganti losses may be incurred as a result of insured events that will happen is unclear.
According to Fuad Mohd. Fachruddin insurance is a contract. Instead, he explains the definition of insurance, according to the Book of section 246 of the Commercial Law.
B. different types of insurance
Insurance is included in the country in this world is mixed. This occurs because a race is the same insured. For more information, the following types of insurance.
A. Mutual Insurance
The aim of mutual insurance are a few people make certain payments to facilitate or eliminate some of its expenses from this accident. If money were collected, withheld swore again in preparation for the next and so on.
B. Business Insurance
commercial insurance and some people who see eye Dala charged in the same boat lost one of their members who was caught. collective cons Apababila secondary accidents, which has promised that everyone in the contract bears the burden of losses early plotters picked up by the charity (bonuses) based on cooperation to facilitate semasyarakat friend.
C. Government insurance
Government to ensure that claims for loss of someone diwaktu merugiakan event of any event suffer without the benefits, even the government menaggung deficiencies exist because of money collected as taxes and social security contributions less than the price loss to be used in patients diwatu loss occurs. On insurance or coercion oblligator government developed and implemented by organizations that were established for each goal.
D. Life Insurance
The purpose of life insurance, insurance for the souls of those who make sure that someone's soul, the insurer (asurador) promised the money to the person named in the policy, if the guarantee (the bear) or from a deceased na period.
E. dangers that happen Insurance Agency
insurance risk between them is an insurance agency with the specific conditions of life for self-destruction of a person as an insurance eyes, ears, hands, or insurance under certain conditions. This insurance is considered by many industry workers face several incidents meninaikan obligations.
F. liability insurance risk
The purpose of insurance against liability risks, which takes place on sites such as home insurance, cars, airplanes, boats, motors, etc.. About auto insurance dipaksaan RPA.
C. Notice To ensure Ulama
insurance issues from the perspective of Islamic teachings, including questions Ijtihadiyah legal means should be explored more deeply as possible, as described Lech Quran and Sunnah specifically al. I mujtahid Abu Hanifa, Imam Malik, I Shafi'i, Ahmad ibn Hanbal and mujtahid, who is not a fatwa regarding insurance, since insurance is not known at the time. New system known in the East in the nineteenth century. Western world are familiar with the system since the fourteenth century of our era, a large living mujtahid researchers around the second millennium BC to IX.
Among Muslim scholars and scientists of the four visions of insurance law, namely:
A. prohibited in all types of insurance and current form, including life insurance, including among klmpok Sayyid Sdbiq which is expressed in his book Fiqh al-Sunna, Abdullah al-Qalqili, Muhammad Yusuf al-Qardhawi and Mohammed al-Bakhit Muth "I, among other reasons:
• Insurance is essentially the same as the game;
• Nsure contain vague and uncertain;
• contain elements of interest in rent;
• contain elements of the operation, because when the insured can not continue to pay premiums that were paid;
• premiums paid by owners to play Naked in the practice of usury (since the money is credited dibungakan);
• Insurance, including the contract Sharf, which means that the sale or exchange currency valuation is not available;
• Life and death is the subject of human activity, which means that the fate before the Lord.
B. allows the practice of the insurance company today.
This opinion was expressed by Abdul Wahab Khalaf, Mustafa Ahmad Zarqa, Muhammad Yusuf Musa and the reasons presented as follows:
About Us • No Al Quran and the Hadith that prohibits insurance;
• Both parties promise (guarantee asuradatordan) with full availability oprasi memikultanggung with each response received;
• insurance does not hurt, or both sides and insurance benefits, even for both parties;
• insurance contains a general interest terkemul premiums can be invested (to return to the capital) for projects priduktif and development;
• Insurance, including mudharabah means that insurance is a revenue sharing agreement of cooperation between the holders (owners of capital) of insurance companies that manage funds on the basis of profits (and bonuses);
• Insurance, including ta'awuniyah Shirkah;
• Analog diqiaskan or pension Taspen;
• insurance operations conducted in the interest of the common good and common;
• ensuring people like the accident keperibadian property wealth.
For these reasons, insurance is considered beneficial to the participants and the insurance company at the same time. Practices or the benefit of the population may be justified by religion.
Fuad Mohammed also said that insurance sosisal Fachrudin as health insurance and insurance against accidents caused by work. State, any person who is the premium established for that purpose for the shortcomings inherent in the difference of the money is deducted from the payer lose money. Thus, insurance is the way to the public interest that are social. Therefore, this insurance is justified by Islam.
Accident insurance if the mixture insurance (including savings and insurance). the nature of the insurance premiums interference of two, nearly ubntuk the risk of death to prepare and make money to pay if he does die preformance predetermined period, then the decision is allowed by the religion Islam because the desire asuransicampur to save money and savings to the public interest. State insurance company undertakes to achieve its policy premiums, not money or work wear for the job, it is comparable to the savings hhukm mail, insurance already held keclakaan (dilaksanakn) with ordinary insurance by Mohammed Fouad Fachruddin not allowed, because this insurance does not cover the public interest and common interests.
C. Social security and allow the commercial insurance ban.
This notice was issued by Muhammad Abu Zahra. The reasons can be used for reasons of social security berifat even a second opinion, reason, and commercial insurance penggharaman a single line with the first notice of reasons.
D. It is assumed that the insurance is doubtful, because no syar'i postulates that clearly prohibit nor clearly. Dikatagorika doubtful that insurance, the consequences dtuntut Muslims to be cautious (Al-ihtiyath) in the treatment of insurance. New Muslims should set up a company or an insurance company, while in case of emergency.
D. Hope against insurance Zuhudi
After clarification Zuhdi masfuk insurance, it tries to connect and provide some hope. Conclusion and expectations berikkut Zuhdi.
A. In general insurance, including life insurance provided is permitted by Islam.
B. To promote insurance among Bangasa Muslim-majority Indonesia, the insurer must be given to the management of insurance renewal notice and spirit of Shariah principles.
C. The resources in the form of premiums paid by policyholders of the insurance company must be used for productive projects and peembangunan.
D. Since the benefit of society suransi be used for religious and public interests;
Ulma D. Assembly of Indonesia (MUI) that carriers of the central ambitions of Indonesian Muslims must immediately issue a fatwa insurance, while Muslims in Indonesia and a firmer grip on insurance.
E. decision of the Islamic Conference in Kuala Lumpur global insurance
Since the insurance is there and works in most Muslim countries, Islamic countries in the world with solutions sebagainberikut berkonfermasi.
A. If an item, insurance and the use of usury is prohibited.
B. Cooperative Insurance is legal:
• Insurance for a given activity can be done by people (men Sekumpul) on a cooperative basis;
• Unlimited coverage for something that companies can be done by the government;
• The Conference recommends that the Islamic government to convene the nature of cooperation between Islamic countries Stargate.
This insurance participants pay a fee in the form of money should not be taken unless it is then entitled to receive.
C. Given the importance of international trade, the international insurance kosher diangga existing under the emergency law.
F. Islamic system
Explained by Muhammad Siddiqi Nejatullah that insurance is a basic need for humans because of an accident and need to repair its financial consequences. Insurance is an organization of directors of the universal problems such as sudden death, disability, illness, unemployment, fires, floods, storms and accidents related to transport and caused kerugianfinansial. Incidents like the above are not only dependent on the actions of volunteers, this event requires insurance must be considered basic human needs of a wide range of activities and the human.
Perindungan end of fate and are facing financial losses related to that of any person as important as the maintenance of order. To eliminate the ill effects of the accidents described in connection with kesejahtraan general and the social security system is in place for Muslim countries to help people with memberikan problems and needs arising from sudden kecelakaan congenital disability, temporary unemployment, old age or natural death of the bread of the family. Typically, the parties rely on their own observations on these bonds. In some cases, some sources may be used for this purpose, assume that the employer bears the names of its employees, the government bears the name and salary of civil servants.
The design of the insurance to be treated in accordance with Islamic values proposed by Siddiqi Nejatullah uhammad as follows.
A. All on the provision of danger to human life, both members of their health and bodies can be treated under state control. If the life or health of the man broken by an accident or during work on behalf of their employer for aid agencies and compensation for the cost of the owner or employer of the factory . The same principle can be applied to decide whether the question pengangguaran action if the employer or owner of the plant after the person dilakuka menganggurannya question. With these people the freedom to participate in insurance losses in the interests of himself and his family recover from various incidents, so the economic productivity and maintain business continuity.
This insurance will also be in the interest of all countries by reducing the assurances given by the government. The government should take measures for assets and property of people, lots of fire, flood, earthquake, storm and theft. Opportunities must be provided to each insured against financial loss. The compensation in each case referred to the previous agreement on which the premium payment by the owner. In a person below the poverty line due to an accident, that person must be rescued from poverty with a social security system. These guarantees must be obtained without payment of premium. It would be useful for large companies like the airline industry must be assured, the home can be considerably tingal caused by entities jalurini private section of the property insurance brang wealth can be allowed.
most forms B. Let 'insurance for the soul of maritime trade, fires and accidents in the public sector. Some of them are dedicated to certain events, the rights and interests and the contract kntrak that can be transferred to the private sector.
Under section 246 Watboek Zan Trade (book of the Commerce Act), that insurance is a dimaksuddengan persetuan where the borrower promises to people who are guaranteed for the amount of premiums received peganti losses may be incurred as a result of insured events that will happen is unclear.
According to Fuad Mohd. Fachruddin insurance is a contract. Instead, he explains the definition of insurance, according to the Book of section 246 of the Commercial Law.
B. different types of insurance
Insurance is included in the country in this world is mixed. This occurs because a race is the same insured. For more information, the following types of insurance.
A. Mutual Insurance
The aim of mutual insurance are a few people make certain payments to facilitate or eliminate some of its expenses from this accident. If money were collected, withheld swore again in preparation for the next and so on.
B. Business Insurance
commercial insurance and some people who see eye Dala charged in the same boat lost one of their members who was caught. collective cons Apababila secondary accidents, which has promised that everyone in the contract bears the burden of losses early plotters picked up by the charity (bonuses) based on cooperation to facilitate semasyarakat friend.
C. Government insurance
Government to ensure that claims for loss of someone diwaktu merugiakan event of any event suffer without the benefits, even the government menaggung deficiencies exist because of money collected as taxes and social security contributions less than the price loss to be used in patients diwatu loss occurs. On insurance or coercion oblligator government developed and implemented by organizations that were established for each goal.
D. Life Insurance
The purpose of life insurance, insurance for the souls of those who make sure that someone's soul, the insurer (asurador) promised the money to the person named in the policy, if the guarantee (the bear) or from a deceased na period.
E. dangers that happen Insurance Agency
insurance risk between them is an insurance agency with the specific conditions of life for self-destruction of a person as an insurance eyes, ears, hands, or insurance under certain conditions. This insurance is considered by many industry workers face several incidents meninaikan obligations.
F. liability insurance risk
The purpose of insurance against liability risks, which takes place on sites such as home insurance, cars, airplanes, boats, motors, etc.. About auto insurance dipaksaan RPA.
C. Notice To ensure Ulama
insurance issues from the perspective of Islamic teachings, including questions Ijtihadiyah legal means should be explored more deeply as possible, as described Lech Quran and Sunnah specifically al. I mujtahid Abu Hanifa, Imam Malik, I Shafi'i, Ahmad ibn Hanbal and mujtahid, who is not a fatwa regarding insurance, since insurance is not known at the time. New system known in the East in the nineteenth century. Western world are familiar with the system since the fourteenth century of our era, a large living mujtahid researchers around the second millennium BC to IX.
Among Muslim scholars and scientists of the four visions of insurance law, namely:
A. prohibited in all types of insurance and current form, including life insurance, including among klmpok Sayyid Sdbiq which is expressed in his book Fiqh al-Sunna, Abdullah al-Qalqili, Muhammad Yusuf al-Qardhawi and Mohammed al-Bakhit Muth "I, among other reasons:
• Insurance is essentially the same as the game;
• Nsure contain vague and uncertain;
• contain elements of interest in rent;
• contain elements of the operation, because when the insured can not continue to pay premiums that were paid;
• premiums paid by owners to play Naked in the practice of usury (since the money is credited dibungakan);
• Insurance, including the contract Sharf, which means that the sale or exchange currency valuation is not available;
• Life and death is the subject of human activity, which means that the fate before the Lord.
B. allows the practice of the insurance company today.
This opinion was expressed by Abdul Wahab Khalaf, Mustafa Ahmad Zarqa, Muhammad Yusuf Musa and the reasons presented as follows:
About Us • No Al Quran and the Hadith that prohibits insurance;
• Both parties promise (guarantee asuradatordan) with full availability oprasi memikultanggung with each response received;
• insurance does not hurt, or both sides and insurance benefits, even for both parties;
• insurance contains a general interest terkemul premiums can be invested (to return to the capital) for projects priduktif and development;
• Insurance, including mudharabah means that insurance is a revenue sharing agreement of cooperation between the holders (owners of capital) of insurance companies that manage funds on the basis of profits (and bonuses);
• Insurance, including ta'awuniyah Shirkah;
• Analog diqiaskan or pension Taspen;
• insurance operations conducted in the interest of the common good and common;
• ensuring people like the accident keperibadian property wealth.
For these reasons, insurance is considered beneficial to the participants and the insurance company at the same time. Practices or the benefit of the population may be justified by religion.
Fuad Mohammed also said that insurance sosisal Fachrudin as health insurance and insurance against accidents caused by work. State, any person who is the premium established for that purpose for the shortcomings inherent in the difference of the money is deducted from the payer lose money. Thus, insurance is the way to the public interest that are social. Therefore, this insurance is justified by Islam.
Accident insurance if the mixture insurance (including savings and insurance). the nature of the insurance premiums interference of two, nearly ubntuk the risk of death to prepare and make money to pay if he does die preformance predetermined period, then the decision is allowed by the religion Islam because the desire asuransicampur to save money and savings to the public interest. State insurance company undertakes to achieve its policy premiums, not money or work wear for the job, it is comparable to the savings hhukm mail, insurance already held keclakaan (dilaksanakn) with ordinary insurance by Mohammed Fouad Fachruddin not allowed, because this insurance does not cover the public interest and common interests.
C. Social security and allow the commercial insurance ban.
This notice was issued by Muhammad Abu Zahra. The reasons can be used for reasons of social security berifat even a second opinion, reason, and commercial insurance penggharaman a single line with the first notice of reasons.
D. It is assumed that the insurance is doubtful, because no syar'i postulates that clearly prohibit nor clearly. Dikatagorika doubtful that insurance, the consequences dtuntut Muslims to be cautious (Al-ihtiyath) in the treatment of insurance. New Muslims should set up a company or an insurance company, while in case of emergency.
D. Hope against insurance Zuhudi
After clarification Zuhdi masfuk insurance, it tries to connect and provide some hope. Conclusion and expectations berikkut Zuhdi.
A. In general insurance, including life insurance provided is permitted by Islam.
B. To promote insurance among Bangasa Muslim-majority Indonesia, the insurer must be given to the management of insurance renewal notice and spirit of Shariah principles.
C. The resources in the form of premiums paid by policyholders of the insurance company must be used for productive projects and peembangunan.
D. Since the benefit of society suransi be used for religious and public interests;
Ulma D. Assembly of Indonesia (MUI) that carriers of the central ambitions of Indonesian Muslims must immediately issue a fatwa insurance, while Muslims in Indonesia and a firmer grip on insurance.
E. decision of the Islamic Conference in Kuala Lumpur global insurance
Since the insurance is there and works in most Muslim countries, Islamic countries in the world with solutions sebagainberikut berkonfermasi.
A. If an item, insurance and the use of usury is prohibited.
B. Cooperative Insurance is legal:
• Insurance for a given activity can be done by people (men Sekumpul) on a cooperative basis;
• Unlimited coverage for something that companies can be done by the government;
• The Conference recommends that the Islamic government to convene the nature of cooperation between Islamic countries Stargate.
This insurance participants pay a fee in the form of money should not be taken unless it is then entitled to receive.
C. Given the importance of international trade, the international insurance kosher diangga existing under the emergency law.
F. Islamic system
Explained by Muhammad Siddiqi Nejatullah that insurance is a basic need for humans because of an accident and need to repair its financial consequences. Insurance is an organization of directors of the universal problems such as sudden death, disability, illness, unemployment, fires, floods, storms and accidents related to transport and caused kerugianfinansial. Incidents like the above are not only dependent on the actions of volunteers, this event requires insurance must be considered basic human needs of a wide range of activities and the human.
Perindungan end of fate and are facing financial losses related to that of any person as important as the maintenance of order. To eliminate the ill effects of the accidents described in connection with kesejahtraan general and the social security system is in place for Muslim countries to help people with memberikan problems and needs arising from sudden kecelakaan congenital disability, temporary unemployment, old age or natural death of the bread of the family. Typically, the parties rely on their own observations on these bonds. In some cases, some sources may be used for this purpose, assume that the employer bears the names of its employees, the government bears the name and salary of civil servants.
The design of the insurance to be treated in accordance with Islamic values proposed by Siddiqi Nejatullah uhammad as follows.
A. All on the provision of danger to human life, both members of their health and bodies can be treated under state control. If the life or health of the man broken by an accident or during work on behalf of their employer for aid agencies and compensation for the cost of the owner or employer of the factory . The same principle can be applied to decide whether the question pengangguaran action if the employer or owner of the plant after the person dilakuka menganggurannya question. With these people the freedom to participate in insurance losses in the interests of himself and his family recover from various incidents, so the economic productivity and maintain business continuity.
This insurance will also be in the interest of all countries by reducing the assurances given by the government. The government should take measures for assets and property of people, lots of fire, flood, earthquake, storm and theft. Opportunities must be provided to each insured against financial loss. The compensation in each case referred to the previous agreement on which the premium payment by the owner. In a person below the poverty line due to an accident, that person must be rescued from poverty with a social security system. These guarantees must be obtained without payment of premium. It would be useful for large companies like the airline industry must be assured, the home can be considerably tingal caused by entities jalurini private section of the property insurance brang wealth can be allowed.
most forms B. Let 'insurance for the soul of maritime trade, fires and accidents in the public sector. Some of them are dedicated to certain events, the rights and interests and the contract kntrak that can be transferred to the private sector.